Protection

The O&G Protection Portfolio

There are loads of great things about being your own boss. But there’s one big risk...

If you're self-employed or a freelance contractor and you can't work – you don’t get paid – simple
as that. We’re not saying that to scare you but because it’s a fact that should be accepted and
planned for. We encourage all our clients to ask the question "What if? How would I and/or my family cope if?"...

...And then to plan for the answer.

There are a few basic elements to a protection plan and our partners can provide them all as one easy to
implement and apply for package that will cover all circumstances and help you to sleep at night:

Life Assurance: pays your chosen beneficiaries a tax-free lump sum if you die

Critical / Serious Illness Cover: pays out a tax-free sum if you suffer a serious illness

Permanent Health Insurance: replaces 75% of your previous income if you are unable to work due to health reasons

They can also provide private medical insurance.

Business / Corporate Protection

Limited companies and partnerships should also consider:

Key Man Insurance: pays out a lump sum to the business in the event of the death of a key member of staff

Directors’ Share Protection: pays out a lump sum on the death of a shareholder, enabling the
business to purchase the shares from the estate of the deceased, where both parties agree

Please call us on 0845 272 4009 or email us at info@orangeandgold.co.uk if you are interested in
learning more about any of the above products, services or ideas.

Resources

In this section you will find latest information about issues affecting UK contractors, including IR35, latest HMRC budget reports and our first timers guide.

Orange & Gold

We are a team of accountants and client service professionals who provide genuinely personal service to help freelance consultants in the UK manage their income and taxes. Our clients are mainly limited company contractors, but we also have an umbrella payroll service and a management consultancy for more unusual scenarios.